[kiklion]

What’s the difference between a student loan that can be discharged in bankruptcy and a personal loan?

Sure, the student loan can only go to a school but neither has any collateral which makes them the most similar loan products. So go get any 18 year old to try to get a $20,000 personal loan without any credit and see what the rates are and if lenders would even give it to them.

[sjg007]

There are plenty of alternative solutions.